The Mermaid Chair (2006)

Several sensual scenes, lovemaking but no actual nudity. At one point, a woman paints herself and a man making love, with her backside partly shown.

Different symbolic shots of mermaids swimming, with partial shots of their chests (which appear to be mostly covered).

It's revealed that the main character's mother chopped off two of her fingers, and the wrapped bloody hand and one of the fingers are both clearly shown.

Pretty mild words.

A man has an old-fashioned pipe he consistently smokes.

The troubling incident of a man's death in a fire is discussed.